120 Lemon Ln, Hardy, VA, 24101
About This Home
Experience lakefront living in this exceptional 5-bedroom, 3-bathroom waterfront retreat, perfectly positioned on a private, deep-water lot in Hardy. The entry level features a master suite, two additional bedrooms, Open Kitchen with freshly painted cabinets, granite countertops and stainless steel appliances, dining area and great room with masonary fireplace. Finished lower level offers a second living area with a great room, two more bedrooms, full bathroom and laundry area, Perfect for guest. The exterior features a two car garage, newly poured concrete driveway that stretches all the way from the mailbox down to the water. Enjoy the beautiful cove view from the lake side porch with modern glass railing or newly updated dock. Concrete path, enhanced by the stone retaining wall and updated steps, leads you down to the shoreline. Dock includes a covered slip with remote lift, stationary area with tiki bar, floating dock, two jet ski ports and designated kayak holder. Property is conveniently located for easy access to Westlake or Roanoke.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 1991
Materials
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Gas Range,Refrigerator
Basement
- Has basement: Yes
Bedroom2
- Level: E
Bedroom3
- Level: E
Bedroom4
- Level: L
Bedroom5
- Level: L
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Dining Area
- Level: E
Features
- Other - See Remarks,Storage
- Door features: Storm Door(s)
- Window features: Insulated Windows
- Flooring: Carpet,Ceramic Tile
- Number of fireplaces: 1
- Fireplace features: Living Room,Masonry
- Fireplace: Yes
- Finished area below ground: 1,328
- Finished area above ground: 1,628
Heating & Cooling
- Heating features: Heat Pump Electric
- Cooling features: Heat Pump Electric
Interior Area
- Total structure area: 2,956
- Total interior livable area: 2,956 sqft
Kitchen
- Level: E
Laundry
- Level: L
Primary Bedroom
- Level: E
Property
Details
- Parcel number: 003 01100 00
Features
- Patio & porch: Deck,Front Porch
- Exterior features: Garden Space
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront,Cove,Riprap Shoreline
- Waterbody name: Smith Mtn Lake
Lot
- Lot size: 1.41 Acres
- Features: Gentle Sloping,Wooded
Parking
- Total spaces: 6
- Parking features: Detached,Paved,Garage Door Opener,Off Street
- Has garage: Yes
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 4
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,435 | $65,220 |
| Home Insurance * | $258 | $3,096 |
| Property Taxes | $377 | $4,524 |
| Electricity | $284 | $3,416 |
| Total | $6,354 | $76,248 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-29 | Price change | $1,075,000 |
| 2026-07-07 | Price change | $1,092,000 |
| 2026-05-19 | Listed for sale | $1,100,000 |
| 2020-03-26 | Sold | $400,000 |
| 2020-01-08 | Pending sale | $419,900 |
| 2019-10-04 | Price change | $419,900 |
| 2019-09-04 | Price change | $421,360 |
| 2019-09-02 | Price change | $424,900 |
| 2019-08-15 | Price change | $425,000 |
| 2019-07-12 | Price change | $429,900 |
| 2019-04-09 | Price change | $435,000 |
| 2019-02-07 | Listed for sale | $439,900 |
| 2013-09-11 | Sold | $350,000 |
| 2007-10-04 | Sold | $359,000 |
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